If you are over the age of 65, it is now the time of year to review your Medicare plans. The Annual Open Enrollment Period has remained the same as 2011, October 15, 2012 to December 7, 2012. During this …
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New MI Financial Power of Attorney Statute
There are new rules in Michigan for financial powers of attorneys. All financial powers of attorney that you sign after September 30, 2012 must comply with the new rules. If you don’t, your financial power of attorney may not be …
Healthy Aging
The month of September brings a welcome relief from the hot summer days. Cool evening breezes and colorful foliage appearing on the trees may entice you to walk and bask in healthy fresh air. September has also been designated as …
Elder Financial Abuse Is Not Always So Obvious
There has been an epidemic of elder financial abuse in our country. It is reported that the number of known cases of financial exploitation of the elderly in Michigan has quadrupled in the last decade. According to law enforcement officials, …
Medicaid Estate Recovery in Michigan – One Year Later
It’s now been a year since Michigan has implemented its Medicaid estate recovery statute, which became effective July 1, 2011. Under the statute, if you have received Medicaid benefits during your lifetime, the state could seek reimbursement of those benefit …
Taking Care of Your Retirement Financial Health
With our current economic challenges, those of us looking forward to retirement need to be well-informed about our financial needs in coming years. And not only pre-retirees, but if you are already in retirement, you need to be wise to …
Spouse in a Nursing Home
Your spouse is in a nursing home. You are paying out $6,000 or more per month for his or her care. You have been told that you can only keep ½ of your combined assets and have to spend down …
Medical Directives
If you are permanently mentally incapacitated and are on life support, would you like your loved ones to be able to make decisions for you? Would you like to have your loved ones to be able to withhold and withdraw …
Medicaid Eligibility-Top 8 Mistakes
You or a loved one is in the nursing home. You have been told that you have to spend down all of your assets to $2,000 before you can apply for Medicaid to pay for the nursing home care. The …
Legal Issues with Veterans Benefits
You or a loved one may be a veteran, spouse or dependent who qualifies for veterans benefits. There are a multitude of persons out there who claim to be able to help you apply for VA benefits. But whom do …